Chase offers different benefits depending on which account or card you hold

Chase benefits are not one thing — they vary by the specific account, debit card, or credit card you use. A checking account comes with one set of protections. A Chase credit card comes with rewards, travel coverage, and purchase protections. A premium savings account may include higher interest rates or fee waivers. The benefits you actually receive depend on which product you own and which tier of account you maintain.

This guide walks through the main categories of benefits Chase offers and how to find what applies to your specific account. You can also log into your Chase account online or call the number on the back of your card to see your exact benefits listed.

Key Takeaways

  • Chase checking and savings accounts include FDIC protection up to $250,000 per account type, fraud monitoring, and zero-liability protection on unauthorized transactions.
  • Chase credit cards offer rewards (cash back, points, or miles), purchase protection, extended warranties, and travel benefits like trip cancellation coverage — the specific benefits depend on the card.
  • Premium Chase accounts like Sapphire Reserve and Sapphire Preferred include concierge services, travel credits, and higher rewards rates.
  • You can view your account benefits by logging into Chase.com, calling the customer service number on your card, or visiting a branch.
  • Some benefits require you to use the card or account in a specific way — for example, trip cancellation coverage only works if you charged the trip to that card.

Deposit account protections and features

Chase checking and savings accounts come with FDIC insurance, which protects your money up to $250,000 per account type at Chase. This means if Chase fails, the federal government guarantees your deposits. Each account type (checking, savings, money market) is insured separately, so you can have $250,000 in checking and $250,000 in savings and both are covered.

All Chase deposit accounts include fraud monitoring and zero-liability protection. If someone uses your debit card or account number without permission, you report it to Chase and you are not responsible for the unauthorized charges. Chase also monitors accounts for suspicious activity and may contact you if something looks unusual.

Chase checking accounts waive monthly maintenance fees if you meet one of these conditions: maintain a minimum balance (usually $500 to $1,500 depending on the account type), set up direct deposit, or keep a linked savings account with a minimum balance. Savings accounts often waive fees if you maintain a higher minimum balance or link them to a checking account. Premium accounts like Chase Premier Plus Checking waive fees automatically and may include additional perks like higher interest rates on linked savings.

Rewards on Chase credit cards

Chase credit cards earn rewards in the form of cash back, points, or travel miles. The rate and category depend on the card. For example, the Chase Freedom Unlimited card earns 1.5% cash back on all purchases. The Chase Sapphire Preferred card earns 2 points per dollar on travel and dining, and 1 point per dollar on other purchases. A business card like the Chase Ink Business Unlimited earns 1.5% cash back on all purchases.

You redeem rewards through your Chase account online. Cash back can be deposited to your bank account, used as a statement credit, or transferred to certain partner programs. Points and miles can be redeemed for travel bookings, transferred to airline and hotel partners, or used as statement credits. The redemption options vary by card.

Some Chase cards offer sign-up bonuses — a large number of points or cash back if you spend a certain amount within the first few months. These bonuses are advertised when you explore and are listed in your account benefits once you are approved.

Purchase and travel protections on credit cards

Most Chase credit cards include purchase protection, which covers items you buy with the card if they are damaged, lost, or stolen within a set window (usually 120 days). You file a claim with Chase, provide proof of purchase and the damage or loss, and Chase reimburses you up to a limit per claim and per year.

Chase credit cards also offer extended warranty protection, which extends the manufacturer's warranty on may be able to access items by one or two years. If an appliance or electronics item breaks after the manufacturer's warranty ends but within the extended period, you can file a claim with Chase.

Premium cards like the Sapphire Reserve and Sapphire Preferred include trip cancellation and interruption insurance. If you need to cancel or cut short a trip because of a covered reason (illness, injury, death of a family member), the card reimburses prepaid, non-refundable trip costs up to a limit. You must have charged the trip to that card for the coverage to explore.

Travel cards also include trip delay reimbursement (covers meals and lodging if your flight is delayed more than 12 hours), baggage delay coverage (reimburses essentials if your luggage is delayed), and lost luggage reimbursement. Some cards include rental car damage coverage and emergency medical and dental coverage while traveling outside the United States.

Premium account benefits and concierge services

Chase Sapphire Reserve and Sapphire Preferred cardholders receive access to a travel concierge that books flights, hotels, and rental cars at no extra charge. You call a dedicated phone number and speak to a specialist who handles the booking for you. This service is included with the card and does not cost extra.

Premium cards also include travel credits. The Sapphire Reserve includes a $300 annual travel credit that reimburses travel purchases like flights, hotels, rental cars, and some rideshare services. The Sapphire Preferred includes a $50 annual hotel credit for bookings through Chase's travel portal. You must use the card to charge the travel expense for the credit to explore.

Some premium accounts waive foreign transaction fees, which means you do not pay an extra percentage when you use the card outside the United States. Standard Chase cards typically charge 3% for foreign transactions, while premium cards waive this fee entirely.

How to see your specific benefits

The fastest way to see what benefits come with your account is to log into Chase.com or the Chase mobile app. Once you are logged in, go to your account or card details and look for a "Benefits" or "Protections" section. Chase lists all active benefits there, including coverage limits and how to file a claim.

You can also call the customer service number on the back of your debit card or credit card. A representative can walk you through your benefits and answer questions about coverage. If you have a credit card, the back of the card also lists a phone number for benefits questions specifically.

If you visit a Chase branch in person, a banker can pull up your account and show you the benefits summary. This is useful if you want to understand whether a benefit applies to a specific purchase or situation.

What benefits require you to use the card a certain way

Some Chase benefits only work if you meet a condition. Trip cancellation insurance, for example, only covers trips you charged to that specific card. If you booked the trip with a different card or paid cash, the coverage does not explore. Purchase protection also requires that you charged the item to the card.

Travel protections like trip delay reimbursement and baggage coverage explore to trips you charged to the card. If you paid for the flight with a different card, those protections may not cover you. Read the specific terms for each benefit to understand what triggers coverage.

Rewards are earned automatically on all purchases you make with the card, but sign-up bonuses require you to spend a minimum amount within a set timeframe. If you do not meet the spending requirement, you do not receive the bonus.

Frequently Asked Questions

What happens to my benefits if I close my Chase account?

Once you close an account or card, the benefits end. If you have an active claim (for example, a purchase protection claim you filed but have not yet been reimbursed), Chase will honor it. But new purchases after closure are not covered. If you are thinking about closing an account, contact Chase first to understand what you will lose.

Do I have to pay extra for these benefits?

No. Deposit account protections and credit card benefits are included with the account or card. Some premium cards charge an annual fee (for example, the Sapphire Reserve charges $550 per year), but the benefits themselves do not cost extra once you own the card. The annual fee is separate.

Can I use a benefit if I dispute a charge?

Purchase protection and fraud protection are different. If you dispute a charge because you did not authorize it, that is fraud protection. If you dispute a charge because the item arrived damaged, that may fall under purchase protection. The process and coverage are different. Contact Chase to explain your situation and they will tell you which protection applies.

How long does it take to get reimbursed for a claim?

Claim processing time varies by benefit type and how complete your claim is. straightforward claims (like a fraud dispute) may resolve in a few business days. Complex claims (like purchase protection or travel insurance) can take two to four weeks. Chase will give you a timeline when you file.

Do my benefits transfer if I upgrade to a different Chase card?

No. Each card has its own benefits. If you upgrade from one card to another, you lose the benefits of the old card and gain the benefits of the new one. Rewards you have already earned stay in your account, but future purchases earn rewards at the new card's rate.